< p > it is understood that more than 80% of the United States' a href= "//m.pmae.cn/news/index_cj.asp" > family liabilities < /a > are mostly advanced consumption; and in the ocean side of China, family concept is quite different. Industrious Lu people are famous for their frugality and high savings rate. This is not only the reason for historical habits, but also the reality.

However, only by saving and saving, it is a small game after all.

Jifeng Reed financial planner believes that "big money" has to rely on financial management.

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< p > why is it that savings are only "small money"? On the one hand, the reduction of expenditure is limited, daily necessities such as food, clothing, shelter, daily necessities, daily necessities and so on. On the other hand, price rise and currency depreciation often offset the efforts of < a href= "//m.pmae.cn/news/ index_cj.asp" > saving < /a >.

Of course, it is undeniable that frugality is a virtue, but it is not enough.

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< p > compared with saving, there is more room for financial management. It can help families get long-term and higher returns. Financial management will optimize the allocation of family assets and let idle assets "move" to make money "born" money.

At present, many families have realized the importance of financial management.

Financial planners point out that family financing can be divided into three steps: < /p >

< p > 1. Clear financial objectives.

For young families, consumption is the main expenditure; middle aged families pursue stable and secure income, children's education, pension plans, etc., and the elderly family, family insurance and quality of life are the key points.

Under different circumstances, family risk tolerance is different and financial needs are different. Therefore, objectives must be established according to the actual situation.

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< p > two, develop < a href= "//m.pmae.cn/news/index_cj.asp" > financial strategy < /a >.

For a long time, people have summed up many laws of family finance, such as distributing family assets according to the 4321 law, controlling family insurance expenditure according to the double 10 law.

When making financial strategy, you can refer to this kind of experience.

Generally speaking, family financial management strategy should not be aggressive.

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< p > three, execute timely adjustment.

The effect of financial management is easy to be affected by the reality, and the market is constantly changing. Therefore, we should evaluate the effect regularly. When implementing, we should make some adjustments in financial strategy in order to ensure the safety of family funds and achieve the goal of financial management.

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